Credit union · NCUA insured
Siskiyou Credit Union Auto Loan Rates
Siskiyou Credit Union auto loans start at 6.11% APR for a new vehicle and 6.11% for a used one. Rates checked October 16, 2026.
How Siskiyou Credit Union’s auto loan rates compare
Compared with banks and credit unions in California, where Siskiyou Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Siskiyou Credit Union
6.11%APR
- Terms
- up to 60 months
- Up to
- 15.31% APR
New Auto Loan
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Thinkwise Credit Union
3.49%APR
- Terms
- up to 60 months
- Up to
- —
Siskiyou Credit Union auto loan score
65
Auto loan score
Higher than 15% of U.S. banks and credit unions
- New vehicleNew6.11%
- Used vehicleUsed6.11%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Siskiyou Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loan
APR based on borrower's credit history and term of loan. Loan terms may vary based on amount borrowed and collateral. Refinance from another institution applies to ten years & newer only. Rate discounts up to 1.25% (total discounts cannot exceed 1.25% and only apply to loans funded after 2/01/2025): 0.50% for existing SCU members (minimum membership 6 months), 0.50% for automatic payments (ACH, Payroll Deduction or SCU transfer), 0.75% for SCU direct deposit (minimum $1,500 recurring deposit). Additional 0.25% discount for qualifying First Responders and/or current and past service members/military members. Floor rate 2.00%. Pre-approvals have 30 days and vehicle orders have 60 days from loan approval to receive stated rates. Membership eligibility applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.11%–14.04% | 90% or less LTV |
| up to 60 months | 6.11%–15.31% | 90% or less LTV |
| up to 72 months | 6.74%–16.04% | 90% or less LTV |
| up to 84 months | 7.26%–16.79% | 90% or less LTV |
| up to 48 months | 6.24%–16.49% | 91 - 110 % LTV |
| up to 60 months | 6.24%–17.06% | 91 - 110 % LTV |
| up to 72 months | 6.70%–17.54% | 91 - 110 % LTV |
| up to 84 months | 7.36%–18.59% | 91 - 110 % LTV |
| up to 48 months | 6.36%–17.74% | 111 - 125 % LTV |
| up to 60 months | 6.36%–18.51% | 111 - 125 % LTV |
| up to 72 months | 6.74%–18.99% | 111 - 125 % LTV |
| up to 84 months | 7.46%–19.99% | 111 - 125 % LTV |
Sources (2)
All captured Oct 6, 2026
New Dirt Class Motorcycles, ATV’s, and Snowmobiles
APR based on borrower's credit history and term of loan. Loan terms may vary based on amount borrowed and collateral. Pre-approvals have 30 days and vehicle orders have 60 days from loan approval to receive stated rates. Membership eligibility applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.99%–18.99% | — |
| up to 48 months | 9.24%–19.24% | — |
| up to 60 months | 9.49%–19.49% | — |
Sources (2)
All captured Oct 6, 2026
Used Auto Loan
APR based on borrower's credit history and term of loan. Loan terms may vary based on amount borrowed and collateral. Refinance from another institution applies to ten years & newer only. Rate discounts up to 1.25% (total discounts cannot exceed 1.25% and only apply to loans funded after 2/01/2025): 0.50% for existing SCU members (minimum membership 6 months), 0.50% for automatic payments (ACH, Payroll Deduction or SCU transfer), 0.75% for SCU direct deposit (minimum $1,500 recurring deposit). Additional 0.25% discount for qualifying First Responders and/or current and past service members/military members. Floor rate 2.00%. Pre-approvals have 30 days and vehicle orders have 60 days from loan approval to receive stated rates. Membership eligibility applies.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.11%–14.04% | 90% or less LTV |
| up to 60 months | 6.11%–15.31% | 90% or less LTV |
| up to 72 months | 6.79%–16.04% | 90% or less LTV |
| up to 84 months | 7.26%–16.79% | 90% or less LTV |
| up to 48 months | 6.24%–16.49% | 91 - 110 % LTV |
| up to 60 months | 6.24%–17.06% | 91 - 110 % LTV |
| up to 72 months | 6.70%–17.54% | 91 - 110 % LTV |
| up to 84 months | 7.36%–18.59% | 91 - 110 % LTV |
| up to 48 months | 6.36%–17.74% | 111 - 125 % LTV |
| up to 60 months | 6.36%–18.51% | 111 - 125 % LTV |
| up to 72 months | 6.74%–18.99% | 111 - 125 % LTV |
| up to 84 months | 7.46%–19.99% | 111 - 125 % LTV |
Sources (2)
All captured Oct 6, 2026
Who can join Siskiyou Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.